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In-app and on-message in Barcelona
Wandering around #MWC15 in Barcelona this year I got involved in a bunch of conversations about Apple Pay, Loop, NFC and so on. But I thought that focus on the physical, in-store interface, could be...
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Well, yes, withdrawing cash is suspicious
If people want cash, it’s pretty reasonable to ask them what it’s for, since we all have to suffer the externalities. Cash attracts crime. There’s no doubt about it. So having large amounts of cash...
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“Fast” is so last year
The era of “faster payments” is over, even before it’s begun in the US. We’re now into the era of “instant payments” and that’s great, because we’re also in an era of “instant commerce” The interest...
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Blockchain blockhead
I gave a talk on the blockchain to the Vendorcom Cryptocurrency SIG, putting forward a couple of fairly radical ideas about Bitcoin, the blockchain and the future. Or so I thought. Damn. What a...
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For the Chancellor’s cheque-list today
Why are people who use debit cards, PingIt and other modern contrivances required to pay for people who want to mess around posting pieces of paper to each other? It’s time to either draw a line under...
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It’s still worth stealing credit cards, but not for much longer
Technologically speaking, the credit card as we know it should have vanished long ago. It’s surely not got much longer . Back in 1979, when I was taking a computer science course at Univeristy that...
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The bank business model for APIs: Identity
In Europe the banks are being forced to open up APIs for third-party access to bank accounts. Obviously, this will cost money and entails risks. But from the work that Consult Hyperion has already...
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What did the blockchain ever do for us?
The narrative around Bitcoin has, if you hadn’t noticed, shifted toward the blockchain in recent times. So if that’s case, what is the technology and what are we going to do with it? Interest in...
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Another report on falling cash usage in the UK
My son and I have been out and about, living the life of normal folk who don’t care about payments. We made a couple of cash payments and we made a couple of non-cash payments. We didn’t, however,...
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Mobile payments will shortly be mainstream (really – this time)
Mobile payments are fun again. Now that Apple have said that they paying with your phone is OK, all the cool kids want to do it. But how exactly are mobile payments going to work in the mass market?...
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